Become a Member

You Can Save & Earn More – Just By Banking With Us.

Our members received $3,302,998 in financial benefits by taking advantage of our low rates and specials.†

  • Open an Account
  • Today's Rates
Get More Pep in Your Wallet with Free Momentum Checking that earns up to 3.00% APY.+
Get More House. Don’t waste money with a high-interest mortgage. We have the perfect mortgage options for you.
Get More Mileage out of your auto loan. Members save up to $702† on their auto loans.
Arbor bank teller smiling while handing a customer their deposit slip.

Get More With Arbor Financial Credit Union

Combine a free checking account that earns up to 3.00% APY+, mortgages with ultra-low rates, auto loans with rates as low as 1.49% APR* and the money saved quickly adds up.

Get More with Arbor

auto
i
Auto Loans

Arbor Financial Rate
Apply Now
mortgage
i
Mortgages

Arbor Financial Rate
Apply Now
credit-card
i
Credit Cards

Arbor Financial Rate
Apply Now

Words from our members:

Nancy, a Arbor Financial Credit Union Member
"It's just so easy to get things done here. I can call and apply for a loan, no problem. I love to utilize mobile and online banking services. I haven't been into a branch in what feels like forever."

Nancy, Arbor Financial Credit Union Member

Kim, a Arbor Financial Credit Union Member
"I keep coming back into the branch to see my favorite people. I love the customer service I receive and the feeling of community I get whenever I walk into the branch."

Kim, Arbor Financial Credit Union Member

Katie, a Arbor Financial Credit Union Member
"I get more with Arbor Financial through a lot, actually. I get more convenience in my life with how easy it is to get things done. Not to mention how amazing the mobile and online banking services are."

Katie, Arbor Financial Credit Union Member

Adam, a Arbor Financial Credit Union Member
“I Get More with Arbor by receiving incredible loan rates on my vehicle I purchased this year. Additionally, the staff at the branch I bank at are exceptional in their customer service and very friendly.”

Adam S., Arbor Financial Credit Union Member

Jane and Arbor Financial member smiling outside of an Arbor location.
“I have been a member for over 9 years and the thing I love most about Arbor Financial is the community. I’m so thankful and happy that we live in a community where we can stay close to people through everyday interactions. Joanne, the Centre Street branch manager, was a close friend of mine in high school and I taught her children in school.”

Jane, Arbor Financial Credit Union Member

Michelle and Corey standing outside of an Arbor Financial Credit Union location.
"Some of our favorite things about Arbor Financial are the online and mobile banking services. We find it so convenient and it makes our life so much easier."

Michelle and Corey, Arbor Financial Credit Union Members

Customer service representative at call center.
"Great customer service as always!"

Charon M., Arbor Financial Credit Union Member

Jennifer, an Arbor Financial Credit Union customer.
"We didn't need to call anyone else. We knew Arbor Financial would have what we needed."

Jennifer, Arbor Financial Credit Union Member

Jennifer outside of Arbor Financial Credit Union location.
"The super low interest rate on our 10 year consolidation loan has helped us pay off our mortgage faster than we ever thought possible."

Jennifer D., Arbor Financial Credit Union Member

Barbara, an Arbor Financial Credit Union member.
"The tellers and staff at Arbor Financial conduct business so professionally and friendly. I feel at home when I enter the branch and see Carolyn and her team.”

Barbara, Arbor Financial Credit Union Member

"Having only been homeowners for a year prior to our refinance, we were a little nervous to go through the loan process. Arbor educated us on our options, walked us through the action items and communicated with us every step of the way. Kyle did an amazing job answering our constant questions and providing in depth explanations that we could understand. The entire process was smooth and timely. We were so impressed and are SO glad we made the change to Arbor Financial!"

Joe G., Arbor Financial Credit Union Member

Mobile phone showing the login screen for the Arbor mobile app.

Online & Mobile Banking

Access your Arbor Financial Credit Union accounts anywhere, anytime from the palm of your hand with our free mobile banking app.


Convenient and easy to use, Arbor Financial's Mobile Banking App is safe and secure using some of the most advanced security and technology available.

  • Download on the app store.
  • Get it on google play.

Education is in our roots.

We believe in financial empowerment and have created a series of webinars, blogs, and free financial tools to help you.

Article
How to Access Over 30,000 ATMs for Free!
Financial Management Resources

How to Access Over 30,000 ATMs for Free!

We’ve all been there: you’re at an event, traveling, or just on the go, and you need some cash, plus an ATM. However, you want access to your cash without paying ridiculous ATM fees. Who wants to pay money just to access their account? Luckily, as a member of Arbor Financial Credit Union, you belong to a CO-OP ATM network that provides a solution to this pesky problem. What is the CO-OP ATM network? The CO-OP ATM network offers nearly 30,000 surcharge-free ATMs nationwide to members. How do you ...
Video

Digital Wallet Walkthrough

With safety, convenience, and your banking experience in mind, the digital wallet makes checking out, anywhere, a breeze.
Course

Credit Scores and Reports

Learn about how credit is measured and the impact it can have on your financial goals.
Video

How To: Make a Mobile Check Deposit

Making a deposit on the go is easy with your mobile device.
Article
7 Uses For Your Home Equity Line of Credit (HELOC) | Arbor FCU

7 Uses For Your Home Equity Line of Credit (HELOC) | Arbor FCU

Careers

Don't just find a position - find your people. Our company motto is: Work together. Do the right thing. Have fun. There's a reason we've received the National and West Michigan's Best and Brightest Companies to Work For award several years in a row. If you're ready to Get More out of your next position, then you're ready for Arbor.

Explore Open Positions

Upcoming Events

All work and no play? Not here. Our community events are fun-filled opportunities to meet members and neighbors.

See More Events

†Direct financial benefits to members during the 12 months ending September 2021 as defined in the CUNA Membership Benefits Report for Arbor Financial Credit Union. For more information regarding this analysis, please visit www.datatrac.net/memberbenefits. ©CUNA, ©Datatrac

*Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application. Rates are subject to change.

+Annual Percentage Yield (APY). Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.

1. Annual Percentage Rate (APR). Rate effective 5/19/22 for a limited time. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Program, rate, terms and conditions subject to change at any time, without notice. APR calculated on $180,000 mortgage amount, with no PMI on first-lien purchase money mortgage. Payment example: $180,000 loan at stated APR has estimated monthly payment of $975.13. Taxes and insurance not included and will increase payment amount.